Payment card location method and apparatus

ABSTRACT

A system, method, and computer-readable storage medium configured to track the location of lost payment cards.

RELATED APPLICATIONS

This application claims priority to non-provisional U.S. patentapplication Ser. No. 14/159,834, filed Jan. 21, 2014, which is hereinincorporated by reference in its entirety.

BACKGROUND

Field of the Disclosure

Aspects of the disclosure relate in general to financial services.Aspects include an apparatus, system, method and computer-readablestorage medium to track the location of lost payment cards.

Description of the Related Art

The use of payment cards, such as credit or debit cards, is ubiquitousin commerce. Typically, a payment card is electronically linked via apayment network to an account or accounts belonging to a cardholder.These accounts are generally deposit accounts, loan or credit accountsat an issuer financial institution. During a purchase transaction, thecardholder can present the payment card in lieu of cash or other formsof payment.

When payment cards are lost or misplaced, cardholders can retrace theirsteps to find the card, or contact the card issuer to report the cardmissing.

SUMMARY

Embodiments include a system, apparatus, device, method andcomputer-readable medium configured to track the location of lostpayment cards.

In a mobile device method embodiment, a mobile device antenna wirelesslypolls for the presence of a payment card. An identifier associated withthe payment card is received with the antenna. A processor matches theidentifier associated with the payment card with an identifierassociated with a lost payment card, and determines a present locationof the mobile device. The mobile device wirelessly transmits a messageto a server, the message indicating that the lost payment card wasdetected and the present location of the mobile device.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 illustrates an embodiment of a system configured to track thelocation of lost payment cards.

FIGS. 2A depicts a payment card in a system configured to track thelocation of lost payment cards.

FIGS. 2B depicts a payment card in a system configured to track thelocation of lost payment cards.

FIG. 3 is a block diagram of a mobile device in a system configured totrack the location of lost payment cards.

FIG. 4 depicts a block diagram of a card tracking server in a systemconfigured to track the location of lost payment cards.

FIG. 5 illustrates a flow chart of a method to report payment cardlocation by a mobile device.

FIG. 6 depicts a method of tracking payment card location reporting by acard tracking server.

FIG. 7 is a flow chart of processing lost payment card locationreporting by a card tracking server.

FIG. 8 flow charts a lost payment card location reporting method by amobile device.

FIG. 9 illustrates a method of reporting lost payment card location to acardholder by a card tracking server.

DETAILED DESCRIPTION

One aspect of the disclosure includes the understanding that cardholderstend to travel with mobile devices in close proximity with their paymentcards. Such mobile devices include mobile telephones, tablet computers,laptop or notebook computers, personal digital assistants (PDAs), or anyother mobile device known in the art. Typically, the mobile device andthe payment card are kept on the person (e.g., in a pocket), or nearbyin a purse, briefcase, backpack or other portable storage container. Forthe purposes of this disclosure, a payment card includes, but is notlimited to: credit cards, debit cards, prepaid cards, electronicchecking, stored-value cards, or other physical payment devices. Paymentcard embodiments in this disclosure are wireless-enabled.

Yet another aspect of the disclosure is the realization that manycardholders rarely travel without a mobile device and their paymentcards.

Another aspect of the disclosure includes the realization that rapidlyincreasing use of mobile devices offers the ability to wirelessly trackthe position of wireless-enabled payment cards, which enablescardholders to find their lost payment cards.

Embodiments of the present disclosure include a system, apparatus,method, and computer-readable storage medium configured to track thelocation of lost payment cards.

Embodiments will now be disclosed with reference to a block diagram ofan exemplary system 1000 of FIG. 1 configured to track the location oflost payment cards, constructed and operative in accordance with anembodiment of the present disclosure.

System 1000 includes cardholders using payment cards 2000 a-n and mobiledevices 3000 to track and connect to a card location server 4000 via adata network, such as a mobile telephone network or data network 1300.An example data network includes the Internet 1200 and the like.

In such a system, wireless-enabled payment cards 2000 a-n are tracked bymobile devices 3000 a-b. Mobile devices 3000 may include a mobile phone,tablet computer, personal digital assistant (PDA) or other portablecomputing device known in the art capable of wirelessly tracking paymentcards 2000, and reporting the payment card location to a card locationserver 4000.

Mobile devices 3000 report the location of payment cards 2000 to a cardlocation server 4000. The card location server 4000 may exist at apayment network, issuer financial institution, or other entity. Anexample payment network includes MasterCard International Incorporatedof Purchase, N.Y. An issuer is the financial institution that issues thepayment card.

When a payment card 2000 is reported lost by a cardholder, participatingmobile devices 3000 that are proximately located to the last knownlocation of the payment card 2000 are enlisted to anonymously detect,and report the location of the payment card 2000.

When the lost payment card's location has been determined, thecardholder is alerted or otherwise notified of the lost payment cardlocation. In some embodiments, cardholders may use a personal computer1100 a-c to view the last known location of their own payment cards byconnecting to the card location server 4000 via the Internet 1200 orWorld-Wide-Web.

Example embodiments and method uses of payment card 2000 mobile device3000, and card location server 4000 are discussed below.

Turning to FIGS. 2A-B, these figures depict a payment card 2000 designedto be used in a system to wirelessly track the location of lost paymentcards, constructed and operative in accordance with an embodiment of thepresent disclosure.

As shown in FIG. 2A, the payment card 2000 includes a plastic support2002. It is understood that plastic support 2002 may further contain astamped imprint of a primary account number, a customer name, expirationdate, and various security measures, such as a hologram or signaturepanel. Some embodiments of plastic support 2002 also have a magneticstripe containing certain information, such as the personal accountnumber and the expiration date. Plastic support 2002 may be compliantwith the International Organization for Standardization(ISO)/International Electrotechnical Commission (IEC) 7810 ID-1 physicalcard standard.

Internal components of payment card 2000 are shown in FIG. 2B. Embeddedwithin plastic support 2002, a processor or central processing unit 2008is electrically coupled to the wireless antenna 2004, power source 2006,Read-Only-Memory (ROM) 2010, Random Access Memory (RAM) 2012, anon-volatile programmable memory 2014, and input/output circuitry 2016.It is understood by those familiar with the art that some or all ofthese elements may be embedded together in some combination as anintegrated circuit (IC). Embodiments may also contain a conductivecontact-making element 2018.

Wireless antenna 2004 is a radio frequency (RF) transceiver. Wirelessantenna 2004 may use any RF transceiver known in the art for use in aradio frequency identifier (RFID) application or commonly used in a“contactless” payment card. In some embodiments, payment card 2000 maycommunicate via near field communication (NFC) using the ISO/IEC 14443standard, including PayPass™ or MasterPass™ enabled payment cards.PayPass™ and MasterPass™ are trademarks of MasterCard InternationalIncorporated of Purchase, N.Y. In alternate embodiments, wirelessantenna 2004 may communicate using the IEEE 802.11 standards (“WiFi”) orthe IEEE 802.15.1 standard, commonly known as “Bluetooth,” or BluetoothLow Energy.

Wireless antenna 2004 allows payment card 2000 to communicate wirelesslywith a mobile device 3000. Bluetooth wireless antenna 2004 embodimentsmay have a range of approximately 100 meters, while Bluetooth Low Energyembodiments may have a range of approximately 50 meters.

Processor 2008 may be any central processing unit, microprocessor,micro-controller, computational device or circuit known in the art.

Read only memory 2010 may be embedded with an operating system.

Non-volatile programmable memory 2014 is configured to be an applicationmemory device, and may store information such as the primary accountnumber and/or other card identifier. Examples of non-volatileprogrammable memory 2014 include, but not limited to: a magnetic stripe,flash memory, Electrically Erasable Programmable Read-Only Memory(EEPROM), or any other non-volatile computer memory or storage known inthe art.

Random access memory 2012 is any temporary memory storage medium elementknown in the art. Random access memory is usually (but does not have tobe) volatile memory.

The processor 2008, the read only memory 2010, the random access memory2012 and the non-volatile programmable memory 2014 may couple to oneanother through an internal bus system. Data can be interchanged betweenthe input/output unit 2016, the processor 2008 and the non-volatileprogrammable memory 2014. Furthermore, data can be interchanged betweenthe processor 2008 and the non-volatile programmable memory 2014.

Additionally, in some embodiments, the input/output circuitry 2016 isfurther coupled to a conductive contact-making element 2018 being formedin a surface area of the plastic support 2002.

The electrically conductive contact-making element 2018 contains areaelements that are electrically decoupled from one another, and these areannotated VCC, GND, RST, VPP, CLK and I/O. VCC is the connection for asupply voltage, RST is the connection for a reset signal, CLK is theconnection for a clock signal, GND is the ground connection, VPP is theconnection for a programming voltage, and I/O forms a connection as adata input/data output. The connection RST is used for application of astart signal for communication. A clock for the smart card processor issupplied from the outside via the connection CLK, with the clockfrequency according to the described exemplary embodiment being 7.5 MHz.The programming voltage that is applied to the connection VPP is usuallya voltage higher than the supply voltage. Bi-directional datatransmission takes place via the input/output connection I/O for theactual interchange of useful information with the smart card. Similardata exchange or transmission takes place in contactless embodiments.

Power source 2006 may be any electrical power supply, including abattery, fuel cell, long-term capacitor or any other power storage knownin the art. Power supply 2006 may be recharged by applying a directcurrent voltage. A voltage is applied to the payment card 2000 as thesupply voltage VCC. Example supply voltages include 5 volts, 3.3 volts,or 1.7 volts. In alternate embodiments, power source 2006 is aninductor. When passed through a magnetic field, the inductor generatespower.

Embodiments will now be disclosed with reference to a block diagram of amobile device 3000 of FIG. 3 designed to be used in a system 1000 towirelessly track the location of lost payment cards, constructed andoperative in accordance with an embodiment of the present disclosure.When used in conjunction with a card location server 4000 and paymentcard 2000, mobile device 3000 may be used to wirelessly track thelocation of lost payment cards. In this example, mobile device 3000 is amobile phone. As mentioned above, it is understood by those familiarwith the art that mobile device 3000 may be a mobile phone, tabletcomputer, personal digital assistant (PDA) or other portable computingdevice known in the art capable of wirelessly tracking payment cards2000, and reporting the payment card location to a card location server4000.

Mobile device 3000 may run a real-time multi-tasking operating system(OS) and include at least one processor or central processing unit (CPU)3100, a non-transitory computer-readable storage medium 3200, an antenna3300 and Global Positioning System (GPS) antenna 3800. An exampleoperating system may include the Apple iOS, Google Android OperatingSystem, Blackberry OS, FireFox mobile operating system, MicrosoftWindows 8, and the like. Mobile device 3000 may further include a screenor display device 3400, manual input 3500, speaker 3600, and microphone3700.

Processor 3100 may be any central processing unit, microprocessor,micro-controller, computational device or circuit known in the art. Itis understood that processor 3100 may temporarily store instructions anddata in Random Access Memory (not shown)

As shown in FIG. 3, processor 3100 is functionally comprised of a cardlocator application 3110, a data processor 3120, and applicationinterface 3130.

Card locator application 3110 enables the functionality for the consumerto locate a lost payment card. Card locator application 3110 may furthercomprise: location tracker 3112, and card location reporter 3114.

A location tracker 3112 is a program or service that wirelessly tracksthe presence of payment card 2000. A location tracker 3112 uses antenna3300 to detect payment card 2000 wirelessly, and may do so via NFC,RFID, Bluetooth, WiFi or other wireless standard known in the art.Location tracker 3112 may attempt to match detected payment cards 2000with a local lost card database 3210 may be stored in on acomputer-readable storage media 3200.

Card location reporter 3114 enables the reporting of detected knownpayment cards and detected lost payment cards to card location server4000. Further details and uses of card location reporter 3114 aredescribed further herein.

Data processor 3120 enables processor 3100 to interface with storagemedia 3200, antenna 3300, screen 3400, manual input 3500, speaker 3600,microphone 3700, GPS antenna 3800, computer memory or any othercomponent not on the processor 3100. The data processor 3120 enablesprocessor 3100 to locate data on, read data from, and write data tothese components.

Application interface 3130 may be any graphical user interface known inthe art to facilitate communication with the user of the mobile device3000; as such, application interface 3130 may communicate with the uservia screen 3400, manual input 3500, speaker 3600, or microphone 3700.

These structures may be implemented as hardware, firmware, or softwareencoded on a computer readable medium, such as storage media 3200.Further details of these components are described with their relation tomethod embodiments below.

Antenna 3300 may be any data port as is known in the art forinterfacing, communicating or transferring data across atelecommunications network, computer network, Bluetooth, WiFi,near-field communications, contactless point-of-sale network, and thelike. Examples of such a network include a digital cellular telephonynetwork. Antenna 3300 allows mobile device 3000 to communicate via thedigital cellular telephony network to Card Location Server 4000, orother entities. Furthermore, antenna 3300 allows mobile device 3000 todetect and communicate with payment card 2000.

Screen 3400 may be any liquid crystal display (LCD) display, lightemitting diode (LED) screen, touch-sensitive screen, or other monitorknown in the art for visually displaying images and text to a user.

Manual input 3500 may be buttons, a conventional keyboard, keypad, trackpad, trackball, or other input device as is known in the art for themanual input of data. In some embodiments, manual input 3500 may beintegrated into a touch-sensitive screen 3400. In other embodiments,manual input 3500 may be a virtual keyboard.

In addition, a speaker 3600 may be attached for reproducing audiosignals from processor 3100. Microphone 3700 may be any suitablemicrophone as is known in the art for providing audio signals toprocessor 3100.

GPS antenna 3800 is satellite-based navigation antenna that allowsmobile device 3000 to ascertain its location by triangulating withsatellites as one skilled in the art can appreciate. In someembodiments, GPS antenna 3800 additionally uses triangulation withcellular or mobile phone antennas to determine device location.

It is understood that microphone 3700, speaker 3600, and GPS antenna3800 may include appropriate digital-to-analog and analog-to-digitalconversion circuitry as appropriate.

Storage medium 3200 may be a conventional read/write memory, such as aflash memory, memory stick, transistor-based memory, or othercomputer-readable memory device as is known in the art for storing andretrieving data.

In addition, as shown in FIG. 3, storage medium 3200 may also contain alocal lost card database 3210. When present, local lost card database3210 is a data structure or database that contains a list of lostpayment cards proximately located near mobile device 3000. Such a lostcard database 3210 includes at least one unique identifier associatedwith a lost payment card 2000. The unique identifier may be a hash ofthe payment card primary account number or other identifier able touniquely identify the lost payment card 2000.

Embodiments will now be disclosed with reference to a block diagram ofan exemplary card location server 4000 of FIG. 4 configured to track thelocation of lost payment cards, constructed and operative in accordancewith an embodiment of the present disclosure.

Card location server 4000 may run a multi-tasking operating system (OS)and include at least one processor or central processing unit (CPU)4100, a non-transitory computer-readable storage medium 4200, and anetwork interface 4300. An example operating system may include AdvancedInteractive Executive (AIX™) operating system, UNIX operating system, orLINUX operating system, and the like.

Processor 4100 may be any central processing unit, microprocessor,micro-controller, computational device or circuit known in the art. Itis understood that processor 4100 may communicate with and temporarilystore information in Random Access Memory (RAM) (not shown).

As shown in FIG. 4, processor 4100 is functionally comprised of a cardlocation manager 4110, and a data processor 4120.

Card location manager 4110 is a component configured to perform riskestimation by analyzing financial transactions. Card location manager4110 may further comprise: a customer enrollment interface 4112, cardlocation tracker 4114, and lost card interface 4116.

Customer enrollment interface 4112 is an application interface thatallows cardholders to opt into payment card 2000 tracking. Oncecardholders opt-in via the customer enrollment interface 4112, a recordcorresponding to the payment card in a cardholder database 4220 isupdated, showing the enrollment.

Card location tracker 4114 is the structure or component capable ofprocessing payment card location data received (via a network interface4300) from a mobile device 3000. Card location tracker 4114 may storethe location data in a card location database 4210.

Lost card interface 4116 is any structure configured to receive amessage from mobile device 3000 (via the network interface 4300)indicating that a payment card 2000 is lost or missing.

Data processor 4120 enables processor 4100 to interface with storagemedia 4200, network interface 4300 or any other component not on theprocessor 4100. The data processor 4120 enables processor 4100 to locatedata on, read data from, and write data to these components.

These structures may be implemented as hardware, firmware, or softwareencoded on a computer readable medium, such as storage media 4200.Further details of these components are described with their relation tomethod embodiments below.

Network interface 4300 may be any data port as is known in the art forinterfacing, communicating or transferring data across a computernetwork, examples of such networks include Transmission ControlProtocol/Internet Protocol (TCP/IP), Ethernet, Fiber Distributed DataInterface (FDDI), token bus, or token ring networks. Network interface4300 allows card location server 4000 to communicate with cardholdersusing mobile devices 3000 or other computing devices 1100 a-c.

Computer-readable storage media 4200 may be a conventional read/writememory such as a magnetic disk drive, floppy disk drive, optical drive,compact-disk read-only-memory (CD-ROM) drive, digital versatile disk(DVD) drive, high definition digital versatile disk (HD-DVD) drive,Blu-ray disc drive, magneto-optical drive, optical drive, flash memory,memory stick, transistor-based memory, magnetic tape or othercomputer-readable memory device as is known in the art for storing andretrieving data. Significantly, computer-readable storage media 4200 maybe remotely located from processor 4100, and be connected to processor4100 via a network such as a local area network (LAN), a wide areanetwork (WAN), or the Internet.

In addition, as shown in FIG. 4, storage medium 4200 may also contain acard location database 4210, a cardholder database 4220, and a lost carddatabase 4230. Card location database 4210 is configured to storerecords of reported payment card locations. Cardholder database 4220 isconfigured to store cardholder information and transactions informationrelated to specific cardholders. A lost card database 4230 is a databasestoring records of all known lost payment cards.

It is understood by those familiar with the art that one or more ofthese databases 4210-4230 may be combined in a myriad of combinations.The function of these structures may best be understood with respect tothe flowcharts of FIGS. 5-9, as described below.

We now turn our attention to the method or process embodiments of thepresent disclosure described in the flow diagrams of FIGS. 5-9. It isunderstood by those known in the art that instructions for such methodembodiments may be stored on their respective computer-readable memoryand executed by their respective processors. It is understood by thoseskilled in the art that other equivalent implementations can existwithout departing from the spirit or claims of the disclosure.

FIG. 5 illustrates a flow chart of method 5000 of payment card locationreporting by a mobile device 3000, constructed and operative inaccordance with an embodiment of the present disclosure. When acardholder opts into payment card 2000 tracking, card locatorapplication 3110 tracks the presence of payment card 2000 wirelessly.

At block 5002, mobile device 3000 determines whether there areassociated payment cards 2000 within wireless range. Location tracker3112 uses antenna 3300 to poll for payment cards 2000 within itsvicinity. In at least one embodiment, antenna 3300 acts as a master,using the Bluetooth standard, to transmit in the 2.4 GHz short-rangeradio frequency band. Bluetooth is a packet-based protocol with amaster-slave structure. A payment card 2000 receives the poll, andresponds as a slave, transmitting a unique identifier, which isassociated with the payment card. In some embodiments, the uniqueidentifier is a hash of the payment card's primary account number (PAN).

When the payment card 2000 fails to respond to the wireless poll, asdetermined at decision block 5004, an alert is sent to the cardholderindicating that the payment card is no longer in wireless range, block5006. The alert may be displayed on the screen 3400 of the mobile device3000, sent as an e-mail alert, a short message service (SMS) message,text-alert, telephone call, or any other alert known in the art. Thealert message allows cardholders to realize that the payment card 2000is no longer in their possession and that they can take appropriateactions to locate the payment card 2000.

When the payment card 2000 responds to the wireless poll, as determinedat decision block 5004, mobile device 3000 notifies the card locationserver 4000 of the payment card's location via the network interface4300, block 5008. The location of the payment card 2000 is deemed to bethe location of the mobile device 3000, as determined by the GPS antenna3800. The notification may occur via a message containing the uniqueidentifier transmitted by the payment card 2000 along with the currentcoordinates of the mobile device 3000.

Note that in some embodiments, the locations of the payment card 2000are not periodically sent to card location server 4000, but are insteadstored on mobile device 3000. In such an embodiment, the last knownpayment card location is sent when payment card 2000 is reported lost ormissing.

Moving to FIG. 6, process 6000 is a method of tracking payment cardlocation reporting by a card tracking server 4000, constructed andoperative in accordance with an embodiment of the present disclosure. Atblock 6002, card location tracker 4114 receives a message from mobiledevice 3000. The message contains a unique identifier associated withpayment card 2000, and geographic coordinates. Card location database4210 is updated with the provided information, block 6004.

In an alternate embodiment, the locations of the payment card 2000 arenot periodically sent to card location server 4000, but are insteadstored on mobile device 3000. In such an embodiment, the last knownpayment card location is received from the mobile device 3000 by cardlocation server 4000 when payment card 2000 is reported lost or missing.

FIG. 7 is a flow chart of method 7000 of processing lost payment cardlocation reporting by a card tracking server 4000, constructed andoperative in accordance with an embodiment of the present disclosure.

At block 7002, the card location server 4000 receives a report of a lostpayment card, via a lost card interface 4116. The lost card informationmay be received by any method known in the art, including, but riotlimited to: a telephone call from the cardholder, electronic mail, textmessage, disclosure to an application on a mobile device 3000,electronic entry by a customer service representative, or any othermethod known in the art. Usually, when a card is lost, the cardholdermay provide the primary account number of the lost card, their name,government identification number, or other identifier.

At block 7004, card location tracker 4114 retrieves the last knownlocation of the lost payment card 2000 from the card location database4210.

In embodiments where the locations of the payment card 2000 are notperiodically sent to card location server 4000, but are instead storedon mobile device 3000, card location tracker 4114 queries mobile device3000 for the known location of the payment card 2000.

The card location database is updated, block 7006 so that the status ofthe lost payment card is designated in some manner as “lost” with a lastknown location.

Using the last known location and lost card database 4230, card locationtracker 4114 generates a local lost card database 3210 for mobiledevices that are proximate to the last known location, block 7008. Forexample, suppose the last known location of a missing payment card is inTimes Square, in New York City. Mobile devices within a quarter orhalf-mile radius may be deemed as proximate. A lost card database 3210may be a list or other data structure of all lost cards where the lastknown location is a half-mile radius from Times Square. In someembodiments, the lost card database 3210 may be a partial list of lostcards.

The determination for mobile devices that are proximate to the lastknown location may vary depending upon the population density of thelast known location. Typically, when an area has a high populationdensity, the radius chosen may be smaller than an area with lowpopulation density. For example, if the last known payment card is in arural or sub-urban area, the radius of “proximity” may be larger.

The card location tracker 4114 transmits the local card database 3210 tothe mobile devices 2000 that are proximate to the last known at block7010.

FIG. 8 illustrates a flow chart of method 8000 of lost payment cardlocation reporting by a mobile device 3000, constructed and operative inaccordance with an embodiment of the present disclosure.

At block 8002, a mobile device 3000 receives a local lost card database3210 from card location server 4000. As discussed in method 7000 above,the local lost card database 4230 is a list or other data structure ofthe lost cards where the last known location are proximate to thecurrent mobile device 3000 location.

The mobile device 3000 polls for the presence of payment cards 2000,block 8004.

If no lost card is detected, the process flow returns to block 8004.

If a lost card is detected, as determined at block 8006, the mobiledevice 3000 notifies the card location server 4000 of the lost cardlocation based on the mobile device's current position, block 8008.

FIG. 9 illustrates a flow chart of method 9000 reporting lost paymentcard location to a cardholder by a card tracking server, constructed andoperative in accordance with an embodiment of the present disclosure.Once a lost payment card's location has been reported to the cardlocation server 4000, block 9002, the payment card's location is updatedin the card location database 4210, block 9004. Mobile devices 3000 thatare proximate to the new location are alerted with an updated local lostcard database 3210, block 9006.

At block 9008, the lost the card location server 4000 reports thelocation information to the cardholder by any method known in the art,including via an automated telephone call from the card location server4000, electronic mail, text message, disclosure to an application on amobile device 3000, or any other method known in the art. The cardholdermay then use that information to find their lost payment card 2000.

The system continues to track the lost card until the payment card isreported found or cancelled by the cardholder, block 9010.

The previous description of the embodiments is provided to enable anyperson skilled in the art to practice the disclosure. The variousmodifications to these embodiments will be readily apparent to thoseskilled in the art, and the generic principles defined herein may beapplied to other embodiments without the use of inventive faculty. Thus,the present disclosure is not intended to be limited to the embodimentsshown herein, but is to be accorded the widest scope consistent with theprinciples and novel features disclosed herein.

What is claimed is:
 1. A method comprising: receiving data indicatingthat a payment card is lost; determining a last known location of thepayment card; determining a mobile device within an area associated withthe last known location of the payment card; generating a data structurecomprising at least an identifier associated with the payment card; andtransmitting the data structure to the mobile device, wherein the mobiledevice is configured to wirelessly poll, via an antenna of the mobiledevice, for a presence of the payment card.
 2. The method of claim 1,further comprising receiving a message indicating that the payment cardwas detected by the mobile device and location information related to alocation of detection of the payment card.
 3. The method of claim 2,further comprising providing at least a portion of the locationinformation to a device of a cardholder associated with the paymentcard.
 4. The method of claim 1, further comprising determining the areabased on a population density associated with the last known location.5. The method of claim 1, wherein generating the data structurecomprising at least the identifier associated with the payment cardcomprises generating a list of identifiers of a plurality of paymentcards associated with a corresponding last known location within athreshold range of the mobile device.
 6. The method of claim 1, furthercomprising updating a status of the payment card in a database toindicate that the payment card is lost in response to receiving the dataindicating that the payment card is lost.
 7. The method of claim 1,wherein determining the last known location of the payment cardcomprises querying a device associated with the payment card for thelast known location of the payment card.
 8. A system, comprising: amemory comprising computer-executable instructions; and a processorfunctionally coupled to the memory and configured, by thecomputer-executable instructions, to perform at least the followingactions, receiving data indicating that a payment card is lost,determining a last known location of the payment card, determining amobile device within an area associated with the last known location ofthe payment card, generating a data structure comprising at least anidentifier associated with the payment card, and transmitting the datastructure to the mobile device, wherein the mobile device is configuredto wirelessly poll, via an antenna of the mobile device, for a presenceof the payment card.
 9. The system of claim 8, wherein the processor isconfigured to receive a message indicating that the payment card wasdetected by the mobile device and location information related to alocation of detection of the payment card.
 10. The system of claim 9,wherein the processor is configured to provide at least a portion of thelocation information to a device of a cardholder associated with thepayment card.
 11. The system of claim 8, wherein the processor isconfigured to determine the area based on a population densityassociated with the last known location.
 12. The system of claim 8,wherein generating the data structure comprising at least the identifierassociated with the payment card comprises generating a list ofidentifiers of a plurality of payment cards associated with acorresponding last known location within a threshold range of the mobiledevice.
 13. The system of claim 8, wherein the processor is configuredto update a status of the payment card in a database to indicate thatthe payment card is lost in response to receiving the data indicatingthat the payment card is lost.
 14. The system of claim 8, whereindetermining the last known location of the payment card comprisesquerying a device associated with the payment card for the last knownlocation of the payment card.
 15. A non-transitory computer-readablemedium comprising computer-executable instructions that when executed bya processor perform the method comprising: receiving data indicatingthat a payment card is lost; determining a last known location of thepayment card; determining a mobile device within an area associated withthe last known location of the payment card; generating a data structurecomprising at least an identifier associated with the payment card; andtransmitting the data structure to the mobile device, wherein the mobiledevice is configured to wirelessly poll, via an antenna of the mobiledevice, for a presence of the payment card.
 16. The non-transitorycomputer-readable medium of claim 15, wherein the processor isconfigured to receive a message indicating that the payment card wasdetected by the mobile device and location information related to alocation of detection of the payment card.
 17. The non-transitorycomputer-readable medium of claim 16, wherein the processor isconfigured to provide at least a portion of the location information toa device of a cardholder associated with the payment card.
 18. Thenon-transitory computer-readable medium of claim 15, wherein theprocessor is configured to determine the area based on a populationdensity associated with the last known location.
 19. The non-transitorycomputer-readable medium of claim 15, wherein generating the datastructure comprising at least the identifier associated with the paymentcard comprises generating a list of identifiers of a plurality ofpayment cards associated with a corresponding last known location withina threshold range of the mobile device.
 20. The non-transitorycomputer-readable medium of claim 15, wherein the processor isconfigured to update a status of the payment card in a database toindicate that the payment card is lost in response to receiving the dataindicating that the payment card is lost.